Insuring a car not thats not in my name

Altarf

samgoffe wrote:

But does anyone know if its possible to insure a car that isnt registered in my name?

Liverpool Victoria will for one.

I previously had both mine and my partners cars insured on one policy, but mine was registered in my name, hers in hers. Liverpool Victoria had no problem with it, and the registered keepers were noted in the policy facts document.

nadnad

can you not just do a search ourself to see whats wrong - if anything with the car. I believe the AA will do this for you - it costs £15 but it would set your mind at rest. Also phone the DVLA and ask them whats going on and also ring the centre to get your car tested and ask for a cancellation. Also insurance companies will insure the car when you'er not the owner - you can be the "registered keeper" or whatever. Ring a broker and tell them the situation, they may also do a check on the car registration and this should tell them if the car is written off or stolen or whatever - because obviously they don't want to insure a car thats either of the above, somebody has to be able to help you.

JimArnold

My wife and I used to run two cars - we both had full NCDs now NCDs proofs only last for 2 years - there are some insurers who will allow 3 years. Now as we both use the car equalish amounts the easiest way to keep both hard earned NCDs (worth £500) for when we needed 2 cars was to insure our car in alternative years unsder me or her Are you with me so far ?

So for sevral years we would change the registered keeper every year- its free but looks a bit odd if you sell the car 6 years old and 6 keepers!
Note that there is no question of ownership the DVLA just talks about registered keeper. Then we found some insurers don't care - London Vic was one of them. In fact insurers insist that the main driver should take out the insurance partly to get around teenagers insuring under their Mums policy even though she never drives the car - I wonder how many wives drive under their husbands insurance more than he does.

keithwales

As I said, the key here is 'insurable interest'.

An insurer will insure a car not owned by you, but only if it belongs to someone with a connection to you. A relative, normally someone who lives at the same address.

If you say you want to insure a car not owned by you, you cannot normally do this unless it is owned by someone in your household.

Hope that clears it up

mrbadexample

keithwales wrote:

As I said, the key here is 'insurable interest'.

An insurer will insure a car not owned by you, but only if it belongs to someone with a connection to you. A relative, normally someone who lives at the same address.

If you say you want to insure a car not owned by you, you cannot normally do this unless it is owned by someone in your household.

Hope that clears it up

Actually, what you said was: "No insurance company will cover you unless you own the car- all to do with 'insurable interest' "

That's not quite the same as you're saying now, is it? Perhaps you would care to elaborate - i.e. define "insurable interest", and quote your source for the information? I know from experience that the address is not an issue. You do not have to live at the same address as the owner of the vehicle.

You also state: "someone with a connection to you". What sort of connection? Does it HAVE to be a relative?

Furthermore: "normally someone who lives at the same address", & "you cannot normally do this". So, presumably, in some circumstances, someone who lives at another address, and sometimes you can?

And: "Hope that clears it up". Well, actually, not at all. Please clarify?

Cheers,

MBE

Fran

samgoffe wrote:

Basically my aunt bought the car 8 months ago, they filled out the V5 and she took the new keepers slip.

The previous owner then sent off the change of details form to the DVLA to get it changed into her name.

But, she never recived the new V5 (in her name), but instead she got a letter saying they have with held the V5 and that she needed to book a test to make sure its not a writeoff! So basically the DVLA have reason to belive that the car has been in a accident, possibly marked as scrapped or written off. So they want it tobe checked out.

My aunt just forgot about the letter. Now she has just bought a new car for her self, and tried to get rid of the old one (My new one!!). She phoned me up and knew i was looking and offered it to me for free! so i happy accepted.

So i have a car, a mot certificate (still vaild) and a new keepers slip in my aunts name, so legally its in her name.

By the time i get the car checked, the DVLA take there "admin" (more like Tea) time to sort out the paper work its going to be xmas (the next available test slot is nov 22nd!).

By which time the MOT will of run out and the cars going to start cosing me alot of money!

What exactly are the facts? You first say that DVLA witheld the V5 and that she never received it, then in the same post you say you have a new keepers slip in your aunt's name.

The registered keeper is responsible for taxing the car, ie. your aunt would be if the document hadn't been witheld (assuming this is the true version).

Check the DVLA site for rules.

illmonkey

Fran wrote:

What exactly are the facts? You first say that DVLA witheld the V5 and that she never received it, then in the same post you say you have a new keepers slip in your aunt's name.

The registered keeper is responsible for taxing the car, ie. your aunt would be if the document hadn't been witheld (assuming this is the true version).

Check the DVLA site for rules.

Yes, basically the old owner gave my aunt the new keepers slip and then sent the V5 (with my aunt as the new owner) off to the DVLA. they then sent her a letter saying they cant issue a new V5 in her name till the car is checked out by a authorised company. So NO i cant get AA to check it or even a HPI, the dvla want certin companys to check it.

I think i will call up some of the mentioned insurnace copanys and just see what they say to insuring it. If i cant get insured then its my bad luck

Thanks for everyones help and advise.

keithwales

Difficult to give specific fact in a thread which to be fair was vague from the outset.

Don't wish to cause offence, but one can only hope for broad guidance from this board.
For clarification you have to consult the individual insurer for their terms, conditions and definitions, they do differ between companies.
Although I am comparatively new to the board I do feel it important previous posts cannot be looked at as definitive proof of what an insurer will or will not cover. We don't know the full story for most of these anecdotes.

mrbadexample

samgoffe wrote:

the dvla want certin companys to check it.

Which companies? Did they say?

illmonkey

mrbadexample wrote:

Which companies? Did they say?

I have a form i have to fill out and state where i live and what test centre. The page has a list of 40 or so, the closest to me is :

VOSA
RTE Division
Bicester GVTS
Launton Road
Bicester
Oxon
OX26 0JG
01869 243416

So a VOSA approved i assume :S